Kotak Royale Signature Credit Card: Fees, Rewards & Benefits
Travel card with lounge access
The Kotak Royale Signature is a mid-tier travel card offering 8 domestic lounges and sizeable milestone bonuses (up to 30,000 RP at Rs.8 lakh spend), with a Rs.999 fee easily waived at Rs.1 lakh. The 0.2/point value, Rs.75,000/quarter lounge upkeep and 3.5% forex keep it best for steady domestic spenders.
Travel card with lounge access
The Bottom Line
The Kotak Royale Signature is built for domestic traveller and spender and mid-tier rewards seeker. With a ₹999 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0.53% rewards on travel and airport lounge access. It makes the most sense if your spending matches domestic traveller and spender and mid-tier rewards seeker.
It earns a base reward rate of 0.2666666666666667% and stacks best when your spending lines up with Domestic traveller and spender, Mid-tier rewards seeker. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealThose spending Rs.4-8 lakh/year who value 8 domestic lounges and large milestone bonuses (up to 30,000 RP) at a low waivable fee.
Users wanting travel rewards and lounge access with an easy Rs.1,00,000 fee waiver.
Probably not for
SkipThe Rs.75,000/quarter requirement to retain lounge access and high milestone thresholds suit only sustained spenders.
No international lounges and a 3.5% forex markup limit overseas value.
Is It Worth It For You?
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Reward Rates
Kotak Royale Signature offers 0.2666666666666667% basic reward rate.
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Welcome Offer
Milestone Benefits
10,000 bonus Reward Points on annual (anniversary year) spends of Rs.4,00,000.
30,000 bonus Reward Points on annual (anniversary year) spends of Rs.8,00,000.
Annual fee waiver on annual retail spends of Rs.1,00,000.
Fees & Charges
Eligibility
- Min Income: ₹24 Lakhs
- Min Credit Score: 750
- Age 21-60, annual income Rs 24 lakh+, CIBIL 750+; discontinued for new applicants; annual fee Rs 999 waived on Rs 1 lakh spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
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